Loan Think

Inaccurately insured homes can cost mortgage servicers millions of dollars in civil penalties — a loss that can be prevented by better understanding the figures and analysis used to determine the correct cost of insurance needed.

The Consumer Financial Protection Bureau is keeping lenders in the dark about how it will ensure borrower data is secure and private under the expanded Home Mortgage Disclosure Act reporting requirements.

The ultimate approval of the CIT-OneWest merger by regulators represents a giant step backwards for the Community Reinvestment Act.

Home Equity Conversion Mortgages can be a valuable retirement tool to older borrowers who qualify for the product, and lenders who shy from offering them are doing their clients a costly disservice.

The decline in homeownership can be stopped, and even reversed, by taking action on credit access, better evangelizing for down payment programs and offering borrower counseling.

Fears about repurchase requests made by Fannie Mae and Freddie Mac persisted beyond the crisis, but those fears don't match actual repurchase numbers.

A Massachusetts court's recent ruling affirming homeowners associations' right to super lien priority highlights the importance of preserving condominium properties — and some banks agree.

Without the Consumer Financial Protection Bureau setting specific debt collection guidelines — including what technology agencies can use — the industry will continue a practice that harms consumers: lawsuits.

A popular misconception is that homeownership would decline if mortgage subsidies were done away with, but the truth is homeowners are better off without them.

Recent legislative proposals to make piecemeal changes to the government-sponsored enterprises could set broader GSE reform on the wrong path.